First International Bank of Israel Ltd Logo

First International Bank of Israel Ltd

FIBI.TA

(3.0)
Stock Price

16.890,00 ILA

0.92% ROA

17.54% ROE

7.19x PER

Market Cap.

15.330.424.000,00 ILA

37.17% DER

5.42% Yield

34.16% NPM

First International Bank of Israel Ltd Stock Analysis

First International Bank of Israel Ltd Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

First International Bank of Israel Ltd Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (20.67%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 DER

The stock has a low debt to equity ratio (42%), which means it has a small amount of debt compared to the ownership it holds

3 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

4 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

5 ROA

The stock's ROA (1.07%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 PBV

The stock's PBV ratio (1.31x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

7 Revenue Growth

Over the past three years, this company's revenue has consistently grown, demonstrating a positive financial trend that makes it an appealing choice.

8 Net Profit Growth

With continuous net profit growth in the past three years, this company demonstrates a strong financial performance, making it an enticing investment opportunity.

9 Graham Number

Based on the Graham number, this company's stock price appears to be higher than its intrinsic value, signaling a potentially unfavorable investment choice.

10 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

11 Buffet Intrinsic Value

The company's stock presents a potential concern as it appears overvalued (560) by Warren Buffett's formula, indicating that its market price exceeds its estimated intrinsic value.

First International Bank of Israel Ltd Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

First International Bank of Israel Ltd Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

First International Bank of Israel Ltd Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

First International Bank of Israel Ltd Revenue
Year Revenue Growth
2004 2.264.000.000
2005 2.691.000.000 15.87%
2006 2.977.000.000 9.61%
2007 3.472.000.000 14.26%
2008 3.214.000.000 -8.03%
2009 3.926.000.000 18.14%
2010 3.691.000.000 -6.37%
2011 3.549.000.000 -4%
2012 3.697.000.000 4%
2013 3.739.000.000 1.12%
2014 3.611.000.000 -3.54%
2015 3.417.000.000 -5.68%
2016 3.487.000.000 2.01%
2017 3.601.000.000 3.17%
2018 3.941.000.000 8.63%
2019 4.006.000.000 1.62%
2020 4.005.000.000 -0.02%
2021 4.393.000.000 8.83%
2022 5.254.000.000 16.39%
2023 6.404.000.000 17.96%
2023 6.457.000.000 0.82%
2024 6.556.000.000 1.51%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

First International Bank of Israel Ltd Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

First International Bank of Israel Ltd General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 312.000.000 100%
2008 0 0%
2009 437.000.000 100%
2010 359.000.000 -21.73%
2011 0 0%
2012 288.000.000 100%
2013 282.000.000 -2.13%
2014 279.000.000 -1.08%
2015 272.000.000 -2.57%
2016 259.000.000 -5.02%
2017 262.000.000 1.15%
2018 266.000.000 1.5%
2019 259.000.000 -2.7%
2020 251.000.000 -3.19%
2021 252.000.000 0.4%
2022 259.000.000 2.7%
2023 0 0%
2023 54.000.000 100%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

First International Bank of Israel Ltd EBITDA
Year EBITDA Growth
2004 576.000.000
2005 964.000.000 40.25%
2006 1.045.000.000 7.75%
2007 2.609.000.000 59.95%
2008 597.000.000 -337.02%
2009 1.207.000.000 50.54%
2010 1.082.000.000 -11.55%
2011 945.000.000 -14.5%
2012 2.702.000.000 65.03%
2013 2.187.000.000 -23.55%
2014 1.618.000.000 -35.17%
2015 1.302.000.000 -24.27%
2016 1.485.000.000 12.32%
2017 1.610.000.000 7.76%
2018 1.822.000.000 11.64%
2019 1.504.000.000 -21.14%
2020 1.285.000.000 -17.04%
2021 2.304.000.000 44.23%
2022 4.087.000.000 43.63%
2023 3.000.000.000 -36.23%
2023 3.448.000.000 12.99%
2024 4.084.000.000 15.57%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

First International Bank of Israel Ltd Gross Profit
Year Gross Profit Growth
2004 2.264.000.000
2005 2.691.000.000 15.87%
2006 2.977.000.000 9.61%
2007 3.472.000.000 14.26%
2008 3.214.000.000 -8.03%
2009 3.926.000.000 18.14%
2010 3.691.000.000 -6.37%
2011 3.549.000.000 -4%
2012 3.697.000.000 4%
2013 3.739.000.000 1.12%
2014 3.611.000.000 -3.54%
2015 3.417.000.000 -5.68%
2016 3.487.000.000 2.01%
2017 3.601.000.000 3.17%
2018 3.941.000.000 8.63%
2019 4.006.000.000 1.62%
2020 4.005.000.000 -0.02%
2021 4.393.000.000 8.83%
2022 5.254.000.000 16.39%
2023 6.404.000.000 17.96%
2023 6.457.000.000 0.82%
2024 6.556.000.000 1.51%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

First International Bank of Israel Ltd Net Profit
Year Net Profit Growth
2004 242.000.000
2005 453.000.000 46.58%
2006 509.000.000 11%
2007 744.000.000 31.59%
2008 161.000.000 -362.11%
2009 568.000.000 71.65%
2010 484.000.000 -17.36%
2011 475.000.000 -1.89%
2012 577.000.000 17.68%
2013 570.000.000 -1.23%
2014 478.000.000 -19.25%
2015 446.000.000 -7.17%
2016 521.000.000 14.4%
2017 678.000.000 23.16%
2018 733.000.000 7.5%
2019 865.000.000 15.26%
2020 750.000.000 -15.33%
2021 1.405.000.000 46.62%
2022 1.667.000.000 15.72%
2023 1.820.000.000 8.41%
2023 2.172.000.000 16.21%
2024 2.436.000.000 10.84%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

First International Bank of Israel Ltd Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 2
2005 2 -100%
2006 2 0%
2007 3 50%
2008 2 -100%
2009 6 80%
2010 4 -25%
2011 5 0%
2012 6 20%
2013 5 0%
2014 5 -25%
2015 4 0%
2016 5 20%
2017 7 16.67%
2018 7 14.29%
2019 9 12.5%
2020 7 -14.29%
2021 14 50%
2022 17 12.5%
2023 18 11.11%
2023 22 14.29%
2024 24 12.5%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

First International Bank of Israel Ltd Free Cashflow
Year Free Cashflow Growth
2004 759.000.000
2005 933.000.000 18.65%
2006 1.004.000.000 7.07%
2007 1.273.000.000 21.13%
2008 937.000.000 -35.86%
2009 603.000.000 -55.39%
2010 1.128.000.000 46.54%
2011 490.000.000 -130.2%
2012 2.999.000.000 83.66%
2013 4.513.000.000 33.55%
2014 5.344.000.000 15.55%
2015 5.547.000.000 3.66%
2016 -1.987.000.000 379.16%
2017 7.038.000.000 128.23%
2018 1.584.000.000 -344.32%
2019 622.000.000 -154.66%
2020 465.000.000 -33.76%
2021 -1.273.000.000 136.53%
2022 3.259.000.000 139.06%
2023 1.146.000.000 -184.38%
2023 714.000.000 -60.5%
2024 2.255.000.000 68.34%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

First International Bank of Israel Ltd Operating Cashflow
Year Operating Cashflow Growth
2004 831.000.000
2005 985.000.000 15.63%
2006 1.167.000.000 15.6%
2007 1.463.000.000 20.23%
2008 1.164.000.000 -25.69%
2009 792.000.000 -46.97%
2010 1.228.000.000 35.5%
2011 681.000.000 -80.32%
2012 3.199.000.000 78.71%
2013 4.757.000.000 32.75%
2014 5.568.000.000 14.57%
2015 5.737.000.000 2.95%
2016 -1.838.000.000 412.13%
2017 7.179.000.000 125.6%
2018 1.726.000.000 -315.93%
2019 772.000.000 -123.58%
2020 625.000.000 -23.52%
2021 -1.101.000.000 156.77%
2022 3.430.000.000 132.1%
2023 1.331.000.000 -157.7%
2023 750.000.000 -77.47%
2024 2.321.000.000 67.69%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

First International Bank of Israel Ltd Capital Expenditure
Year Capital Expenditure Growth
2004 72.000.000
2005 52.000.000 -38.46%
2006 163.000.000 68.1%
2007 190.000.000 14.21%
2008 227.000.000 16.3%
2009 189.000.000 -20.11%
2010 100.000.000 -89%
2011 191.000.000 47.64%
2012 200.000.000 4.5%
2013 244.000.000 18.03%
2014 224.000.000 -8.93%
2015 190.000.000 -17.89%
2016 149.000.000 -27.52%
2017 141.000.000 -5.67%
2018 142.000.000 0.7%
2019 150.000.000 5.33%
2020 160.000.000 6.25%
2021 172.000.000 6.98%
2022 171.000.000 -0.58%
2023 185.000.000 7.57%
2023 36.000.000 -413.89%
2024 66.000.000 45.45%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

First International Bank of Israel Ltd Equity
Year Equity Growth
2004 3.907.000.000
2005 4.278.000.000 8.67%
2006 5.036.000.000 15.05%
2007 5.824.000.000 13.53%
2008 6.009.000.000 3.08%
2009 6.735.000.000 10.78%
2010 6.205.000.000 -8.54%
2011 6.289.000.000 1.34%
2012 6.772.000.000 7.13%
2013 7.120.000.000 4.89%
2014 7.211.000.000 1.26%
2015 7.663.000.000 5.9%
2016 7.934.000.000 3.42%
2017 8.384.000.000 5.37%
2018 8.413.000.000 0.34%
2019 8.924.000.000 5.73%
2020 9.535.000.000 6.41%
2021 10.437.000.000 8.64%
2022 11.035.000.000 5.42%
2023 12.646.000.000 12.74%
2023 12.131.000.000 -4.25%
2024 13.205.000.000 8.13%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

First International Bank of Israel Ltd Assets
Year Assets Growth
2004 68.624.000.000
2005 71.924.000.000 4.59%
2006 86.538.000.000 16.89%
2007 92.516.000.000 6.46%
2008 98.922.000.000 6.48%
2009 104.568.000.000 5.4%
2010 100.683.000.000 -3.86%
2011 101.127.000.000 0.44%
2012 105.387.000.000 4.04%
2013 111.103.000.000 5.14%
2014 117.743.000.000 5.64%
2015 125.476.000.000 6.16%
2016 127.907.000.000 1.9%
2017 135.717.000.000 5.75%
2018 134.120.000.000 -1.19%
2019 141.110.000.000 4.95%
2020 167.778.000.000 15.89%
2021 180.470.000.000 7.03%
2022 195.955.000.000 7.9%
2023 221.593.000.000 11.57%
2023 210.673.000.000 -5.18%
2024 232.809.000.000 9.51%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

First International Bank of Israel Ltd Liabilities
Year Liabilities Growth
2004 64.717.000.000
2005 67.646.000.000 4.33%
2006 81.502.000.000 17%
2007 86.692.000.000 5.99%
2008 92.913.000.000 6.7%
2009 97.833.000.000 5.03%
2010 94.478.000.000 -3.55%
2011 94.838.000.000 0.38%
2012 98.615.000.000 3.83%
2013 103.983.000.000 5.16%
2014 110.532.000.000 5.92%
2015 117.813.000.000 6.18%
2016 119.973.000.000 1.8%
2017 127.333.000.000 5.78%
2018 125.707.000.000 -1.29%
2019 132.186.000.000 4.9%
2020 158.243.000.000 16.47%
2021 170.033.000.000 6.93%
2022 184.920.000.000 8.05%
2023 208.947.000.000 11.5%
2023 4.751.000.000 -4297.96%
2024 4.689.000.000 -1.32%

First International Bank of Israel Ltd Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
62.22
Net Income per Share
21.25
Price to Earning Ratio
7.19x
Price To Sales Ratio
2.46x
POCF Ratio
11.42
PFCF Ratio
13.53
Price to Book Ratio
1.22
EV to Sales
-9.23
EV Over EBITDA
-16.8
EV to Operating CashFlow
-42.92
EV to FreeCashFlow
-50.88
Earnings Yield
0.14
FreeCashFlow Yield
0.07
Market Cap
15,33 Bil.
Enterprise Value
-57,64 Bil.
Graham Number
245.19
Graham NetNet
727.34

Income Statement Metrics

Net Income per Share
21.25
Income Quality
0.6
ROE
0.18
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.65
EBT Per Ebit
1.01
Ebit per Revenue
0.52
Effective Tax Rate
0.34

Margins

Sales, General, & Administrative to Revenue
0.08
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.52
Pretax Profit Margin
0.52
Net Profit Margin
0.34

Dividends

Dividend Yield
0.05
Dividend Yield %
5.42
Payout Ratio
0.38
Dividend Per Share
8.28

Operating Metrics

Operating Cashflow per Share
13.39
Free CashFlow per Share
11.29
Capex to Operating CashFlow
0.16
Capex to Revenue
0.03
Capex to Depreciation
1.11
Return on Invested Capital
0.12
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
2.09

Balance Sheet

Cash per Share
774,08
Book Value per Share
2.273,71
Tangible Book Value per Share
2270.24
Shareholders Equity per Share
125.74
Interest Debt per Share
105.92
Debt to Equity
0.37
Debt to Assets
0.02
Net Debt to EBITDA
-21.26
Current Ratio
0
Tangible Asset Value
227,77 Bil.
Net Current Asset Value
72,97 Bil.
Invested Capital
78870000000
Working Capital
77,66 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.31

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

First International Bank of Israel Ltd Dividends
Year Dividends Growth
2010 797
2013 199 -300.5%
2014 284 29.93%
2015 130 -120.16%
2016 199 35.18%
2017 309 35.39%
2018 354 12.75%
2019 409 13.48%
2020 125 -229.03%
2021 543 77.16%
2022 942 42.3%
2023 795 -18.36%
2024 739 -7.72%

First International Bank of Israel Ltd Profile

About First International Bank of Israel Ltd

First International Bank of Israel Ltd., together with its subsidiaries, provides various financial and banking services to individuals, households, and businesses in Israel and Western Europe. It offers deposits and savings products, and structured deposits; mortgage services; credit cards; and private banking, mobile and online banking, investment advisory, securities trading, and foreign exchange services. The company also provides solutions for importers, exporters, and international transactions; financing of capital market operations; foreign currency investment management services; services in the areas of current account management, credit, investment advice, savings, pension advice, mortgages, and others; and financial derivatives, trading rooms, and various investment products. It operates approximately 136 branches. First International Bank of Israel Ltd. cwas incorporated in 1972 and is headquartered in Tel Aviv-Yafo, Israel.

CEO
Mr. Eli Cohen CPA
Employee
3.616
Address
Bank House
Tel Aviv, 6688310

First International Bank of Israel Ltd Executives & BODs

First International Bank of Israel Ltd Executives & BODs
# Name Age
1 Mr. Yoram Sirkis CPA, CPA
Executive Vice President & Head of Client Assets Management Division
70
2 Mr. Ron Grisero
Executive Vice President & Head of Banking Division
70
3 Mr. Nachman Nitzan CPA
Executive Vice President & Chief Accountant Division
70
4 Mr. Eli Cohen CPA
President & Chief Executive Officer
70
5 Mr. Benzi Y. Adiri CPA
Executive Vice President & Head of Corporate Division
70
6 Ms. Dafna Zuker
Investor Relations
70
7 Advocate Haviva Dahan
EVice President, Head of Legal Consulting Dept., and Legal Divi., and Chief Legal Counsel & Legal Risk Manager
70
8 Ms. Ziva Barak
Compliance Manager
70
9 Mr. Yinnon Shveka
Executive Vice President and Head of PAGI & Mortgages Division
70
10 Ms. Ella Golan
Executive Vice President & Head of Resources and Financial Management Division
70

First International Bank of Israel Ltd Competitors